Great website for simple investing, especially ETFs. Everything is simple and intuitive enough that one can start immediately and feeling comfortable. Both the website and the app seem quite secure.... See more
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I've been using Scalable Capitol for about two years now and really like their app and trading options. Can definitely recommend. But since they recently became their own bank they do not offer a Fin... See more
Company replied
The new SC after migrating from Badder bank to their own infrastructure has been very good. The service is more responsive and money transfers are now instantaneous. The new option to move money inter... See more
Company replied
Overall satisfying experience and easy to use. Only two things that would help improve further: 1. Joint Accounts- I really wish Scalable Capital would hurry up and implement this. Maintaining two... See more
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Company details
Written by the company
Scalable Capital is a leading bank that empowers people in Europe to shape their own finances. Scalable Capital makes it easy and affordable for clients to invest professionally in stocks, ETFs, cryptocurrencies, and derivatives and set up savings plans. Attractive interest, loans, and private equity complement the range of products and services. With the European Investor Exchange, Scalable Capital offers an exchange specifically for retail investors. More than one million clients already have a total of more than €40 billion on the platform. Founded in 2014, Scalable Capital now employs over 700 people across Munich, Berlin, Vienna, Milan, and London. Together with the founding and management team led by Erik Podzuweit and Florian Prucker, Scalable Capital is building the next generation of financial services. Further information at: www.scalable.capital.
About Scalable Capital
Written by the company

- Personalised & Diversified
- We provide personalised, globally-diversified ETF-portfolios designed to create long-term wealth.
- Cost-Efficient.
- To do this, we select the best and most cost-efficient Exchange Traded Funds (ETFs).
- Your Risk Under Control.
- We monitor and manage your portfolio continuously with our proprietary risk management technology.
Contact info
München & Berlin & London, Germany
- service@scalable.capital
- scalable.capital
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Really nice selection of ETFs but…
Really nice selection of ETFs, stocks aso but too slow. If you sell and let’s say want the cash for something you maybe have to wait up to 8 weeks. Like common in 2026 is just unacceptable

Reply from Scalable Capital
The app is easy to use
I have been a customer since early 2025. The app is easy to use, and the graphs are clear.

Reply from Scalable Capital
Overall good but functionality could be better
I like the overall UI look and style.
There are a few aspects that I would really appreciate and would have convinced me to prefer using this app over others. First of all, one can only see the accumulated amount of share and not individual buys. Individual profits/ loss of buys are thus not visible but only the total profit/ loss. I am less motivated to make sell/buy decision since the overall P/L is not good. I would have made more transactions on each buys, if I could see individual P/L. Secondly, one needs to buy full shares and fractional shares are not supported. This prevents one from buying expensive stocks

Reply from Scalable Capital
Counter-intuitive user interface in the app
Bad user interface in the app, partly counter-intuitive, unnecessarily complicated, support was slow when I wanted to leave the platform with my shares and transfer to a different broker - they tried with several arguments to stop me from leaving, only by pushing for it, I will be able to leave the app behind. Overall, definitely not coming back. Only good point is the acceptable interest rate for the credit product. Best Regards, Dan

Reply from Scalable Capital
I would appreciate more shares
I would appreciate more shares , specially quantum computing shares like infleqtion and small caps

Reply from Scalable Capital
I didn't receive the Tax Report
Even if I paid for the Prime service, I didn't receive my tax report and it is not possible to talk with tech support.
Scalable overcharged me withholding tax…
Scalable overcharged me withholding tax in November 2025 and they still haven't resolved the issue even after 6 months of emails and calls. Their customer support is completely useless. If you ever need any help with your account you will be on 100% your own. This company is not serious about protecting your money. If you really care about your assets go with a legitimate established broker.
Edit: HILARIOUS that Scalable replied below and said "there may unfortunately be delays in processing inquiries at the moment" because my request started in NOVEMBER 2025. Thanks for helping to slam the point home how USELESS Scalable customer service is.

Reply from Scalable Capital
Can't access the app
I have the app for four years, but about 4 months now, every time i try to go into it, I can't it still hanging around, without showing any data, I used to uninstall theapp and install it again, and it works, but next day same thing and should be un/install again, but tilm when, I start thinking to leave the broker.

Reply from Scalable Capital
not just a bank. not just a broker. a Scalable partner.
open , instructive, client oriented.

Reply from Scalable Capital
My money is in a good place
My money is in a good place, I fully trust this app and I’m happy to be investing with them.
Scalable is very simple to use
Scalable is very simple to use. It gives me what I need to run an automatic investment plan.

Reply from Scalable Capital

Reply from Scalable Capital
Overall satisfying experience and easy…
Overall satisfying experience and easy to use. Only two things that would help improve further:
1. Joint Accounts- I really wish Scalable Capital would hurry up and implement this. Maintaining two accounts between spouses is annoying
2. Although the new Tagesgeld account is great- not being integrated to the normal account means I have to manually transfer money from one to the other before my Sparplan and get the timing right so it doesn't try to pull the money from my bank account

Reply from Scalable Capital
Easy setup and top product offer
Super easy to setup an account and trade. The 2,5 Interest for the overnight account with monthly payments is a plus. They keep up to date with the latest interest of their clients and provide informative videos on youtube.

Reply from Scalable Capital
The UI is sadly quite unintuitive
The UI is sadly quite unintuitive, i havent found a way of removing the overview of the "top products" or Cryptocurrency section, im interested in neither and do my own research before i invest in anything, therefore having these products take up 2/3rds of my screen is more than annoying.
Insight into some of the transaction details is also not as easy, while i appreciate seeing the course, its not really visible from a glance at what value i purchased and how much up/down percentage im currently at vs. the purchase value.
Similarly having to pay an extra fee to transmit money from my normal bank account with a 3 day wait period is almost making me want to switch back to my original Bank Account.
Scalable offers good value with the Tagesgeld 2,5% and 2% on the depot itself, but you really need to improve your UI for better visibility and easier management if you want to get more "casual" investors instead of "Crypto-Bro's"

Reply from Scalable Capital
Interface is reall easy and the costs…
Interface is reall easy and the costs are low. The tax statement helps a lot during tax claim process. The black background looks amazing and the prime costs is really good value for setting as many alerts you want! Insights are also good but obviously one should do their own analysis.

Reply from Scalable Capital
I had an easy onboarding process
I had an easy onboarding process, and the identification process was very smooth without any delays. It was done very professionally. Presently I have had no challenges even when trying to start up

Reply from Scalable Capital
Smooth and Transparent App, but Disappointing Referral Experience
Scalable is very easy and transparent to use. The app is intuitive, and the overall experience has been smooth.
The only downside is that I used my friend’s referral link when signing up, but in the end neither of us received the referral benefit. That was a bit disappointing, as the referral process did not seem as clear or reliable as the rest of the app.

Reply from Scalable Capital
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